Hyundai Sonata Insurance Rates

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UPDATED: Mar 31, 2024

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Hyundai Sonata insurance
How much does a Hyundai Sonata cost to insure? The average annual cost for Hyundai Sonata insurance is $1,426 a year, or $118 a month. Read our guide to learn what drivers can do to save on Hyundai Sonatas, whether its 2016 or 2015 Hyundai Sonata insurance rates.

Enter your ZIP code in our free tool above to get started on finding the best Hyundai Sonata insurance costs.

Average auto insurance rates for a Hyundai Sonata are $1,404 annually with full coverage. Comprehensive costs around $260, collision costs $494, and liability coverage costs $470. A liability-only policy costs as little as $536 a year, with high-risk insurance costing around $3,046. Teen drivers receive the highest rates at $5,394 a year or more.

Average premium for full coverage: $1,404

Rate estimates for individual coverage type:

Comprehensive $260
Collision $494
Liability $470

Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Sonata trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from as cheap as $536 for just liability coverage to a much higher rate of $3,046 for a high-risk driver policy.

Liability Only $536
Full Coverage $1,404
High Risk $3,046

Price Range by Location

Your location has a large influence on insurance rates. Areas with sparse population tend to have fewer collision claims than larger metro areas.

The price range example below illustrates how where you live affects auto insurance rates.

Rural Areas $1,053
Small Cities $1,474
Large Cities $1,895

These examples demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, rather than using price averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

The chart below details estimated Hyundai Sonata insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $817
  • Drivers who choose higher $1,000 deductibles will pay about $170 annually
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,404
  • Choosing more expensive low deductibles for comprehensive and collision insurance will cost $1,738
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $3,046 or more
  • The cost with full coverage for a teenage driver with full coverage can be $5,394 a year

View Chart as Image

Hyundai Sonata insurance cost comparison chart
Column chart showing full coverage Hyundai Sonata insurance rates range from $817 to $5,394

Insurance rates for a Hyundai Sonata can also vary considerably based on the trim level of your Sonata, your driving record, and deductibles and policy limits.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay as much as $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at least $1,700 to $2,300 extra per year, depending on your age. High-risk driver insurance can cost around 43% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $510 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $423 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Hyundai Sonata insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,900 on average in Florida, Michigan, and New York.

Hyundai Sonata Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,266 -$138 -9.8%
Alaska $1,078 -$326 -23.2%
Arizona $1,166 -$238 -17.0%
Arkansas $1,404 -$0 0.0%
California $1,600 $196 14.0%
Colorado $1,340 -$64 -4.6%
Connecticut $1,444 $40 2.8%
Delaware $1,590 $186 13.2%
Florida $1,756 $352 25.1%
Georgia $1,296 -$108 -7.7%
Hawaii $1,008 -$396 -28.2%
Idaho $952 -$452 -32.2%
Illinois $1,044 -$360 -25.6%
Indiana $1,058 -$346 -24.6%
Iowa $948 -$456 -32.5%
Kansas $1,332 -$72 -5.1%
Kentucky $1,914 $510 36.3%
Louisiana $2,078 $674 48.0%
Maine $868 -$536 -38.2%
Maryland $1,158 -$246 -17.5%
Massachusetts $1,122 -$282 -20.1%
Michigan $2,436 $1,032 73.5%
Minnesota $1,176 -$228 -16.2%
Mississippi $1,684 $280 19.9%
Missouri $1,246 -$158 -11.3%
Montana $1,510 $106 7.5%
Nebraska $1,106 -$298 -21.2%
Nevada $1,686 $282 20.1%
New Hampshire $1,012 -$392 -27.9%
New Jersey $1,570 $166 11.8%
New Mexico $1,242 -$162 -11.5%
New York $1,480 $76 5.4%
North Carolina $808 -$596 -42.5%
North Dakota $1,148 -$256 -18.2%
Ohio $970 -$434 -30.9%
Oklahoma $1,440 $36 2.6%
Oregon $1,286 -$118 -8.4%
Pennsylvania $1,338 -$66 -4.7%
Rhode Island $1,874 $470 33.5%
South Carolina $1,274 -$130 -9.3%
South Dakota $1,186 -$218 -15.5%
Tennessee $1,228 -$176 -12.5%
Texas $1,692 $288 20.5%
Utah $1,038 -$366 -26.1%
Vermont $962 -$442 -31.5%
Virginia $840 -$564 -40.2%
Washington $1,082 -$322 -22.9%
West Virginia $1,288 -$116 -8.3%
Wisconsin $972 -$432 -30.8%
Wyoming $1,250 -$154 -11.0%

View Chart as Image

Hyundai Sonata insurance rates by U.S. city

With so much variability in rates, the best way to find out your exact price is to compare rates and see how they stack up. Every company uses a different rate calculation, so the rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Hyundai Sonata Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Hyundai Sonata GLS 4-Dr Sedan $1,364 $114
Hyundai Sonata GLS 4-Dr Sedan $1,364 $114
Hyundai Sonata GLS 4-Dr Sedan $1,364 $114
Hyundai Sonata SE 4-Dr Sedan $1,446 $121
Hyundai Sonata SE 4-Dr Sedan $1,446 $121
Hyundai Sonata Limited 4-Dr Sedan $1,486 $124
Hyundai Sonata Limited 4-Dr Sedan $1,486 $124

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Hyundai Sonata Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Hyundai Sonata $270 $506 $450 $1,406
2023 Hyundai Sonata $260 $494 $470 $1,404
2022 Hyundai Sonata $250 $474 $486 $1,390
2021 Hyundai Sonata $238 $458 $500 $1,376
2020 Hyundai Sonata $228 $424 $510 $1,342
2019 Hyundai Sonata $218 $400 $514 $1,312
2018 Hyundai Sonata $210 $358 $520 $1,268
2017 Hyundai Sonata $196 $330 $520 $1,226
2016 Hyundai Sonata $190 $310 $524 $1,204
2015 Hyundai Sonata $184 $288 $534 $1,186
2014 Hyundai Sonata $172 $268 $534 $1,154
2013 Hyundai Sonata $166 $244 $540 $1,130
2012 Hyundai Sonata $156 $222 $534 $1,092
2011 Hyundai Sonata $146 $202 $534 $1,062
2010 Hyundai Sonata $142 $182 $530 $1,034
2009 Hyundai Sonata $140 $178 $520 $1,018
2008 Hyundai Sonata $136 $168 $510 $994
2007 Hyundai Sonata $126 $160 $504 $970
2006 Hyundai Sonata $120 $152 $500 $952

Rates are averaged for all Hyundai Sonata models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Right Hyundai Sonata Insurance

Saving money on auto insurance not only requires avoiding accidents and violations, but also having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Take the time to comparison shop every time your policy renews by requesting rates from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a quick rundown of the information touched on in the above illustrations.

  • You may be able to save up to $170 per year simply by shopping early and online
  • Teenagers pay higher rates, with premiums as much as $450 per month including comprehensive and collision insurance
  • Increasing deductibles could save up to $500 each year
  • Drivers with reckless driving or DUI convictions may pay on average $1,640 more every year for car insurance
  • Consumers who may need higher liability limits will pay about $520 every year to go from a minimum limit to higher 250/500 limits

Quotes will help you save on Hyundai Sonatas, regardless of whether you’re searching for 2012, 2009, or 2006 Hyundai Sonata trim levels or the cheapest Hyundai 2016 rates.

To find out what is the insurance cost of a Hyundai Sonata, enter your ZIP code in our free tool below.

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What are the safety ratings of the Hyundai Sonata?

The Hyundai Sonata has some great safety features that can help reduce rates, such as brake assist, electronic stability control, traction control, lane departure warning, and lane-keeping assist. However, Hyundai Sonatas that are old may not have as many safety features.

The Insurance Institute for Highway Safety (IIHS) gave the Hyundai Sonata a 2020 Top Safety Pick award for its crash test ratings (below).

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

Good is the highest rating. The video below shows how the IIHS tested the Hyundai Sonata.

Hyundai Sonata Compared Against Other Vehicles in the Same Class

How much for a Hyundai Sonata liability insurance plan? This will partly depend on the liability insurance losses. The Hyundai Sonata is a midsize car, and the IIHS found that in comparison to other midsize cars, the Hyundai Sonata’s liability losses are substantially worse than average.

To understand just how much Hyundai Sonata’s insurance rates differ from other midsize car’s rates, take a look at the midsize cars below.

Frequently Asked Questions

  • Are Hyundai Sonata expensive to repair? According to RepairPal, “The average total annual cost for repairs and maintenance on a Hyundai Sonata is $458, compared to an average of $526 for midsize cars and $652 for all vehicle models.”
  • How much is a fully loaded Hyundai Sonata? It would cost you $33,300.

Remember to shop around for Hyundai Sonata insurance rates to save on everything from Hyundai Sonata costs for a 2015 model to Hyundai gap claims. Enter your ZIP code in our free tool to get started.

References

  1. https://www.iihs.org/ratings/vehicle/hyundai/sonata-4-door-sedan/2020

Rates by Driver Age

Hyundai Sonata Insurance Rates by Driver Age
Driver Age Premium
16 $5,394
20 $3,258
30 $1,454
40 $1,404
50 $1,284
60 $1,262

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Sonata Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,738
$250 $1,584
$500 $1,404
$1,000 $1,234

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Sonata Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,404
50/100 $1,580
100/300 $1,698
250/500 $2,003
100 CSL $1,627
300 CSL $1,886
500 CSL $2,074

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Sonata Insurance Rates for High Risk Drivers
Age Premium
16 $7,672
20 $5,188
30 $3,102
40 $3,046
50 $2,910
60 $2,884

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $196

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $75
Homeowner $22
5-yr Accident Free $100
5-yr Claim Free $90
Paid in Full/EFT $61
Advance Quote $68
Online Quote $98
Total Discounts $587
Rate after discounts $817

Discounts are estimated and may not be available from every company or in every state.

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